Arman Financial Services Limited
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Arman Financial Services Limited's yearly results (2023–2026), compared with Financial Services companies in India. Tap ? on any ratio for what it means.
What stands out
- Growth Efficiency Ratio: Sales grew 51% in 3 years, but profit fell: ₹19 less profit per ₹100 of extra sales. Lower than 89% of Financial Services companies in India.
- Shareholder Slice Ratio: Share count rose 24% in 3 years, so each share's slice of the company became smaller. Bigger rise in share count than 88% of Financial Services companies in India.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
2/3 · 2/3Sales grew in 2 of the last 3 years; profit grew in 2 of 3.
Less steady than 66% of Financial Services companies in India.
Growth Efficiency Ratio
−₹19Sales grew 51% in 3 years, but profit fell: ₹19 less profit per ₹100 of extra sales.
Lower than 89% of Financial Services companies in India.
Asset Productivity Ratio
+51% / +37%In 3 years sales changed by +51% while total assets changed by +37%. Sales grew faster than assets.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
100%Of every ₹100 the company owns, ₹100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 80% of Financial Services companies in India.
Tangible Net Worth Ratio
100%Of every ₹100 of net worth, ₹100 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 82% of Financial Services companies in India.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Arman Financial Services Limited owes ₹0.67 for every ₹1 it owns. Net profit rose 9% in the year to Mar 2026, and shrank 15% a year on average over 3 years.
Compared with Financial Services companies in India · latest annual results Mar 2026.
P/E ratio
12.9Investors pay ₹12.9 for every ₹1 of Arman Financial Services Limited's yearly profit, lower than 59% of Financial Services companies in India.
P/B ratio
1.64The share price is 1.64 times Arman Financial Services Limited's book value per share, higher than 55% of Financial Services companies in India.
Market cap
₹1,531 CrThe total market value of all of Arman Financial Services Limited's shares at today's price (share price × number of shares), smaller than 61% of Financial Services companies in India. PosiCap size class: Mini Cap.
Net worth (book value)
₹933 CrWhat Arman Financial Services Limited would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (31 Mar 2026).
Book value per share
₹884.98Net worth divided by the number of shares. The share price of ₹1,452 is 1.6 times this, which is the P/B above.
Return on equity (ROE)
12.7%Arman Financial Services Limited earned 12.7% on its shareholders' money over the last year, higher than 58% of Financial Services companies in India.
Owes vs Owns
0.67×Arman Financial Services Limited owes ₹0.67 for every ₹1 it owns (moderate), higher than 51% of Financial Services companies in India. Banks and lenders usually show higher figures.
Dividend yield
NoneArman Financial Services Limited does not currently pay a dividend.
Revenue growth
-5%Revenue fell 5% in the year to Mar 2026, and grew 15% a year on average over 3 years.
Profit growth
+9%Net profit rose 9% in the year to Mar 2026, and shrank 15% a year on average over 3 years.
Profit margin
9.7%Arman Financial Services Limited keeps ₹10 of every ₹100 of revenue as net profit.
Questions
What is Arman Financial Services Limited's P/E ratio?
Investors pay ₹12.9 for every ₹1 of Arman Financial Services Limited's yearly profit, lower than 59% of Financial Services companies in India.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Arman Financial Services Limited: ₹1,531 Cr ÷ ₹933 Cr (31 Mar 2026) = 1.6.
What is Arman Financial Services Limited's return on equity?
Arman Financial Services Limited earned 12.7% on its shareholders' money over the last year, higher than 58% of Financial Services companies in India.
How much does Arman Financial Services Limited owe compared with what it owns?
Arman Financial Services Limited owes ₹0.67 for every ₹1 it owns (moderate), higher than 51% of Financial Services companies in India. Banks and lenders usually show higher figures.
Does Arman Financial Services Limited pay a dividend?
No. Arman Financial Services Limited does not currently pay a dividend.
Is Arman Financial Services Limited's revenue growing?
Revenue fell 5% in the year to Mar 2026, and grew 15% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.